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    <title>支付接口描述</title>
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          <p><span>支付产品接口：</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">1.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">签约/解约</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：银行和银联的签约一般是在电商侧进行，电商侧负责收集用户的</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">信息，调用银行和银联的接口进行签约。签约后，后续的支付行为就使用签约</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">号来进行，无需再输入个人信息。 和签约相对应，解约则是取消签约关系。</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">2.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">支付</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：快捷支付是在电商服务器上发起，请求渠道进行支付；而账户支付</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">、虚币支付，则是在本地进行的。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">3.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">撤销和退款</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：有些渠道区分撤销和退款，比如银联、农行等，撤销指取消当</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">天在渠道侧未结算的交易； 而退款仅针对已经结算的交易。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">4.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">查询签约状态</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：对于需要签约的交易，可以通过这个接口来查询签约状态</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">5.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">查询订单状态</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：通过这个接口来查询支付清单状态以及退款的订单状态</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">6.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">预授权</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：预授权交易用于受理方向持卡人的发卡方确认交易许可。受理方</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">将预估的消费金额作为预授权金额，发送给持卡人的发卡方。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">7.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">预授权取消</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：对已成功的预授权交易，在结算前使用预授权撤销交易，通</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">知发卡方取消付款承诺。预授权撤销交易必须是对原始预授权交易或追加预</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">授权交易最终承兑金额的全额撤销。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">8.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">预授权完成交易</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：对已批准的预授权交易，用预授权完成做支付结算。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">9.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">预授权完成撤销</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：预授权完成撤销交易必须是对原始预授权完成交易的全额</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">撤销。预授权完成撤销后的预授权仍然有效。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">10.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">对账</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：通过FTP或者HTTP方式提供对账文件供商户侧对账。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">11.</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">余额查询</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：查询商户的交易账户的余额，避免由于余额不足导致交易失败。</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">注意，不是客户的余额。当然，不是所有的银行或者第三方支付都提供这个接口。</span></p>
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          <p style="font-size:16px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">短信/身份验证接口</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:14px;">：</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">版本号</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：当前接口的版本号；</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">编码方式</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">： 默认都是UTF-8，指传输的内容的编码方式；</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">签名和签名方法</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">： 生成报文的签名。 不是所有的字段都需要放到签名中，文档中会说明哪些字段需要签名；</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">签名算法</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：生成签名的算法，RSA, RSA128， MD5等。</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">商户代码</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：在渠道侧注册的商户号。</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">商户订单号</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：即发送给渠道的订单号；</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">发送时间</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：该请求送出的时间。</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">账号和账号类型</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">： 银行卡、存折、IC卡等支持的账号类型以及对应的账号；</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">卡的加密信息</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：如信用卡的CVN2，有效期等。</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">开户行信息</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：开户行所在地以及名称；大部分是不需要的。</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">身份证件类型和身份证号</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">： 可以用于实名验证的证件，指 身份证、军官证、护照、回乡证、台胞证、警官证、</span></p><p style="font-size:14px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">士兵证等。不同银行可以支持的证件类型不一样，这也不是问题。大部分就是身份证了。</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">姓名</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：真实姓名，必须和身份证一致；</span></p><p style="font-size:14px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">手机号</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：在所在银行注册的手机号。</span></p>
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